Bancfirst Corp /Ok/ - Understand $banf stock

$BANF Market Cap: $4.263 Billion

Research Board Inbox Deep Research Not Interested Shortlisted

Financial Snapshot

Revenue

$537.8M

TTM

Gross Margin

Net Earnings

$208.8M

TTM

Current Assets

Current Liabilities

$168.4M

Q3 2024

Current Ratio

Total Assets

$13.31B

Q3 2024

Total Liabilities

$11.73B

Q3 2024

Book Value

$1.585B

Q3 2024

Cash

$2.992B

Q3 2024

P/E

20.42

Nov 29, 2024 EST

Free Cash Flow

$260.5M

TTM

Revenues

Revenue YoY Change

Revenues

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998	1997	1996	1995	1994	1993	1992
Revenue	$623.9M	$419.8M	$327.0M	$327.1M	$336.7M	$303.2M	$248.1M	$218.6M	$201.0M	$194.2M	$177.3M	$182.6M	$181.9M
YoY Change	48.62%	28.38%	-0.03%	-2.83%	11.03%	22.23%	13.5%	8.72%	3.55%	9.51%	-2.9%	0.38%

Expenses

Cost Of Revenues

Gross Profit

Gross Profit Margin

Gross Profit

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011
Revenue	$623.9M	$419.8M	$327.0M	$327.1M	$336.7M	$303.2M	$248.1M	$218.6M	$201.0M	$194.2M	$177.3M	$182.6M	$181.9M
Cost Of Revenue
Gross Profit
Gross Profit Margin

Selling, General & Admin Expense

Research & Development

Depreciation, Depletion & Amortization

SGA Expense to Gross Profit Ratio

R&D To Gross Profit Ratio

DDA To Gross Profit Ratio

Operating Expenses Total

Operating Profits/Loss

Operational Expenses

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998	1997	1996	1995	1994	1993	1992
Selling, General & Admin
YoY Change
% of Gross Profit
Research & Development
YoY Change
% of Gross Profit
Depreciation & Amortization	$22.19M	$22.05M	$20.04M	$18.42M	$15.99M	$13.55M	$11.79M	$12.38M	$11.90M	$11.35M	$11.08M	$10.84M	$9.682M	$8.500M	$8.400M	$8.500M	$8.500M	$7.800M	$7.600M	$7.000M	$6.000M	$6.000M	$8.300M	$8.400M	$8.500M	$8.100M	$7.000M	$5.800M	$3.300M	$3.000M	$2.600M	$2.100M
YoY Change	0.64%	10.01%	8.78%	15.23%	18.03%	14.88%	-4.78%	4.05%	4.86%	2.46%	2.19%	11.96%	13.91%	1.19%	-1.18%	0.0%	8.97%	2.63%	8.57%	16.67%	0.0%	-27.71%	-1.19%	-1.18%	4.94%	15.71%	20.69%	75.76%	10.0%	15.38%	23.81%	-4.55%
% of Gross Profit
Operating Expenses
YoY Change
Operating Profit
YoY Change

Interest Expenses

Interest Expenses To Operating Income %

Other Expense/Income

Interest & Other Expense/Income

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011
Interest Expense	$199.5M	$46.15M	$11.36M	$20.45M	$54.74M	$42.73M	$20.93M	$14.74M	$12.25M	$12.80M	$13.77M	$17.77M	$25.00M
YoY Change	332.27%	306.08%	-44.42%	-62.65%	28.1%	104.16%	41.98%	20.31%	-4.29%	-7.01%	-22.54%	-28.9%
% of Operating Profit
Other Income/Expense, Net
YoY Change

Income/Loss

Pretax Income

Income Tax

Net Profits/Loss

Pretax Income YoY Change

Income Tax Rate

Net Profits/Loss YoY Change

Basic EPS

Net Income To Revenue Ratio

Pretax & Net Income

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998	1997	1996	1995	1994	1993	1992
Pretax Income	$269.9M	$237.4M	$208.4M	$123.5M	$169.6M	$159.8M	$136.3M	$107.9M	$101.2M	$91.17M	$80.84M	$79.00M	$70.70M	$65.60M	$48.70M	$67.80M	$81.60M	$75.80M	$64.00M	$57.70M	$48.80M	$50.90M	$43.40M	$40.50M	$38.00M	$34.10M	$31.40M	$33.40M	$20.40M	$18.10M	$14.10M	$11.20M
YoY Change	13.69%	13.93%	68.73%	-27.16%	6.14%	17.2%	26.28%	6.65%	11.01%	12.78%	2.33%	11.75%	7.77%	34.7%	-28.17%	-16.91%	7.65%	18.44%	10.92%	18.24%	-4.13%	17.28%	7.16%	6.58%	11.44%	8.6%	-5.99%	63.73%	12.71%	28.37%	25.89%	83.61%
Income Tax	$57.48M	$44.33M	$40.77M	$23.93M	$34.68M	$33.94M	$49.87M	$37.26M	$35.04M	$27.28M	$26.53M	$27.10M	$25.08M	$23.30M	$16.10M	$23.50M	$28.60M	$26.40M	$21.10M	$20.50M	$17.00M	$17.30M	$15.50M	$14.30M	$14.00M	$12.50M	$10.50M	$12.20M	$7.600M	$6.500M	$4.000M	$2.200M
% Of Pretax Income	21.29%	18.67%	19.56%	19.37%	20.45%	21.24%	36.58%	34.52%	34.62%	29.93%	32.81%	34.31%	35.47%	35.52%	33.06%	34.66%	35.05%	34.83%	32.97%	35.53%	34.84%	33.99%	35.71%	35.31%	36.84%	36.66%	33.44%	36.53%	37.25%	35.91%	28.37%	19.64%
Net Earnings	$212.5M	$193.1M	$167.6M	$99.59M	$134.9M	$125.8M	$86.44M	$70.67M	$66.17M	$63.89M	$54.32M	$51.90M	$45.62M	$42.30M	$32.60M	$44.40M	$53.10M	$49.40M	$42.80M	$37.20M	$31.90M	$33.60M	$28.00M	$26.20M	$23.90M	$21.60M	$20.90M	$21.20M	$12.80M	$11.60M	$11.50M	$11.20M
YoY Change	10.03%	15.19%	68.33%	-26.17%	7.21%	45.55%	22.31%	6.81%	3.57%	17.62%	4.66%	13.76%	7.85%	29.75%	-26.58%	-16.38%	7.49%	15.42%	15.05%	16.61%	-5.06%	20.0%	6.87%	9.62%	10.65%	3.35%	-1.42%	65.63%	10.34%	0.87%	2.68%	69.7%
Net Earnings / Revenue	34.05%	46.0%	51.26%	30.44%	40.06%	41.49%	34.84%	32.33%	32.91%	32.91%	30.64%	28.42%	25.08%
Basic Earnings Per Share	$6.45	$5.89	$5.12	$3.05	$4.13	$3.85	$2.72	$2.27	$2.13	$4.14	$3.56	$3.42	$2.99
Diluted Earnings Per Share	$6.34	$5.775M	$5.03	$3.00	$4.05	$3.76	$2.65	$2.22	$2.09	$4.04	$3.49	$3.36	$2.93	$1.351M	$1.045M	$1.423M	$1.665M	$1.534M	$1.338M	$1.163M	$1.000M	$1.018M	$835.8K	$796.4K	$686.8K	$568.4K	$551.5K	$556.4K	$500.0K	$453.1K	$520.4K	$592.6K

Assets & Liabilities

Cash & Short-Term Investments

Cash & Equivalents

Cash To Operating Expenses Ratio

Inventory

Receivables

Total Short-Term Assets

Property, Plant And Equipment

Long-Term Investments

Total Long-Term Assets

Total Assets

Net Income To Total Assets Percentage

Accounts Payable

Short-Term Debt

Long Term Debt Due

Total Short-Term Liabilities

Long-Term Debt

Other Long-Term Liabilities

Total Long-Term Liabilities

Total Liabilities

Short-Term To Long-Term Debt Ratio

Short-Term Assets To Debt Ratio

Long-Term Debt To Net Income Ratio

Assets & Liabilities

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998	1997	1996	1995	1994	1993	1992
Cash & Short-Term Investments
YoY Change
Cash & Equivalents
Short-Term Investments
Other Short-Term Assets
YoY Change
Inventory
Prepaid Expenses
Receivables
Other Receivables
Total Short-Term Assets
YoY Change
Property, Plant & Equipment	$284.5M	$283.7M	$274.0M	$266.1M	$212.0M	$174.4M	$134.1M	$126.8M	$126.8M	$121.3M	$117.9M	$115.5M	$111.4M	$97.80M	$91.80M	$91.40M	$88.10M	$82.30M	$72.90M	$68.60M	$66.40M	$60.30M	$61.60M	$57.80M	$52.50M	$47.60M	$45.80M	$33.60M	$28.30M	$26.50M	$18.70M	$14.20M
YoY Change	0.28%	3.54%	2.97%	25.52%	21.56%	30.05%	5.76%	0.0%	4.53%	2.88%	2.08%	3.68%	13.91%	6.54%	0.44%	3.75%	7.05%	12.89%	6.27%	3.31%	10.12%	-2.11%	6.57%	10.1%	10.29%	3.93%	36.31%	18.73%	6.79%	41.71%	31.69%
Goodwill
YoY Change
Intangibles
YoY Change
Long-Term Investments
YoY Change
Other Assets
YoY Change
Total Long-Term Assets
YoY Change
Total Assets	$12.37B	$12.39B	$9.406B	$9.212B	$8.566B	$7.574B	$7.253B	$7.019B	$6.693B	$6.575B	$6.039B	$6.022B	$5.609B	$5.060B	$4.416B	$3.867B	$3.743B	$3.419B	$3.223B	$3.047B	$2.921B	$2.797B	$2.757B	$2.570B	$2.336B	$2.336B	$2.017B	$1.236B	$1.048B	$872.9M	$823.2M	$705.1M
YoY Change
Accounts Payable	$142.8M	$71.06M	$51.10M	$47.60M	$43.60M	$37.50M	$29.60M	$27.30M	$31.50M	$30.20M	$24.10M	$2.200M	$2.700M	$3.200M	$3.900M	$5.800M	$7.800M	$8.000M	$5.500M	$3.900M	$3.700M	$5.600M	$9.400M	$10.30M	$8.400M	$8.300M	$8.400M	$3.900M	$3.200M	$2.100M	$1.500M	$1.500M
YoY Change	100.94%	39.05%	7.35%	9.17%	16.27%	26.69%	8.42%	-13.33%	4.3%	25.31%	995.45%	-18.52%	-15.63%	-17.95%	-32.76%	-25.64%	-2.5%	45.45%	41.03%	5.41%	-33.93%	-40.43%	-8.74%	22.62%	1.2%	-1.19%	115.38%	21.88%	52.38%	40.0%	0.0%
Accrued Expenses	$5.800M	$5.400M	$4.900M	$4.300M	$5.600M
YoY Change	7.41%	10.2%	13.95%	-23.21%
Deferred Revenue
YoY Change
Short-Term Debt	$3.351M	$300.0K	$0.00	$1.100M	$1.100M	$1.700M	$900.0K	$500.0K	$500.0K	$4.000M	$4.600M	$4.600M	$8.300M	$7.300M	$100.0K	$12.90M	$30.40M	$23.30M	$37.20M	$27.70M	$16.60M	$24.40M	$52.10M	$37.30M	$22.10M	$54.80M	$25.70M	$3.400M	$18.70M	$100.0K	$900.0K	$12.10M
YoY Change	1017.0%		-100.0%	0.0%	-35.29%	88.89%	80.0%	0.0%	-87.5%	-13.04%	0.0%	-44.58%	13.7%	7200.0%	-99.22%	-57.57%	30.47%	-37.37%	34.3%	66.87%	-31.97%	-53.17%	39.68%	68.78%	-59.67%	113.23%	655.88%	-81.82%	18600.0%	-88.89%	-92.56%
Long-Term Debt Due
YoY Change
Total Short-Term Liabilities	$151.9M	$76.46M	$56.00M	$51.90M	$49.20M	$37.50M	$29.60M	$27.30M	$31.50M	$30.20M	$24.10M	$2.200M	$2.700M	$3.200M	$3.900M	$5.800M	$7.800M	$8.000M	$5.500M	$3.900M	$3.700M	$5.600M	$9.400M	$10.30M	$8.400M	$8.300M	$8.400M	$3.900M	$3.200M	$2.100M	$1.500M	$1.500M
YoY Change	98.72%	36.53%	7.9%	5.49%	31.2%	26.69%	8.42%	-13.33%	4.3%	25.31%	995.45%	-18.52%	-15.63%	-17.95%	-32.76%	-25.64%	-2.5%	45.45%	41.03%	5.41%	-33.93%	-40.43%	-8.74%	22.62%	1.2%	-1.19%	115.38%	21.88%	52.38%	40.0%	0.0%
Long-Term Debt	$86.10M	$86.04M	$86.00M	$26.80M	$26.80M	$26.80M	$32.00M	$32.00M	$32.00M	$26.80M	$26.80M	$36.00M	$54.60M	$63.10M	$26.80M	$26.80M	$27.40M	$53.10M	$55.90M	$59.60M	$36.10M	$59.10M	$49.10M	$51.60M	$51.40M	$38.00M	$32.10M	$6.600M	$900.0K	$0.00	$0.00	$0.00
YoY Change	0.07%	0.05%	220.9%	0.0%	0.0%	-16.25%	0.0%	0.0%	19.4%	0.0%	-25.56%	-34.07%	-13.47%	135.45%	0.0%	-2.19%	-48.4%	-5.01%	-6.21%	65.1%	-38.92%	20.37%	-4.84%	0.39%	35.26%	18.38%	386.36%	633.33%
Other Long-Term Liabilities												$19.10M	$22.50M	$24.30M	$25.60M	$30.30M	$16.90M	$11.50M	$16.40M	$18.50M	$21.50M	$25.30M	$19.80M	$6.700M	$6.500M	$8.000M	$7.800M	$4.200M	$4.000M	$3.900M	$3.200M	$2.700M
YoY Change												-15.11%	-7.41%	-5.08%	-15.51%	79.29%	46.96%	-29.88%	-11.35%	-13.95%	-15.02%	27.78%	195.52%	3.08%	-18.75%	2.56%	85.71%	5.0%	2.56%	21.88%	18.52%
Total Long-Term Liabilities	$86.10M	$86.04M	$86.00M	$26.80M	$26.80M	$26.80M	$32.00M	$32.00M	$32.00M	$26.80M	$26.80M	$55.10M	$77.10M	$87.40M	$52.40M	$57.10M	$44.30M	$64.60M	$72.30M	$78.10M	$57.60M	$84.40M	$68.90M	$58.30M	$57.90M	$46.00M	$39.90M	$10.80M	$4.900M	$3.900M	$3.200M	$2.700M
YoY Change	0.07%	0.05%	220.9%	0.0%	0.0%	-16.25%	0.0%	0.0%	19.4%	0.0%	-51.36%	-28.53%	-11.78%	66.79%	-8.23%	28.89%	-31.42%	-10.65%	-7.43%	35.59%	-31.75%	22.5%	18.18%	0.69%	25.87%	15.29%	269.44%	120.41%	25.64%	21.88%	18.52%
Total Liabilities	$10.94B	$11.14B	$8.234B	$8.145B	$7.561B	$6.672B	$6.478B	$6.308B	$6.037B	$5.966B	$5.482B	$5.503B	$5.126B	$4.602B	$3.985B	$3.453B	$3.371B	$3.070B	$2.921B	$2.770B	$2.666B	$2.545B	$2.534B	$2.373B	$2.171B	$2.134B	$1.835B	$1.124B	$950.0M	$791.0M	$743.3M	$654.3M
YoY Change	-1.79%	35.26%	1.1%	7.72%	13.33%	2.99%	2.69%	4.48%	1.2%	8.82%	-0.38%	7.35%	11.39%	15.46%	15.41%	2.44%	9.8%	5.12%	5.46%	3.88%	4.74%	0.45%	6.77%	9.31%	1.74%	16.28%	63.33%	18.27%	20.1%	6.42%	13.6%

Ownership

Basic Shares Outstanding

Diluted Shares Outstanding

Preferred Stock

Treasury Stock Shares

Stock Issuance & Repurchase

Ownership Data

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011
Basic Shares Outstanding	32.92M	32.78M	32.72M	32.67M	32.64M	32.69M	31.81M	31.23M	31.12M	15.43M	15.27M	15.17M	15.27M shares
Diluted Shares Outstanding	33.49M	33.44M	33.31M	33.21M	33.33M	33.43M	32.57M	31.82M	31.77M	15.79M	15.55M	15.44M	15.55M shares
Preferred Stock
Treasury Stock Shares

Return On Shareholders' Equity

Book Value

Free Cash Flow

Free Cash Flow YoY

Free Cash Flow Margin

Dividends

Stock Price

Market Cap: $4.263 Billion

About BANCFIRST CORP /OK/

BancFirst Corp. is a bank holding company, which provides retail and commercial banking services. The company is headquartered in Oklahoma City, Oklahoma and currently employs 2,109 full-time employees. The firm has six business units: metropolitan banks, community banks, Pegasus, Worthington, other financial services and executive, operations, and support. Metropolitan banks, community banks, Pegasus and Worthington offers commercial and retail lending, a full line of deposit accounts and other. Metropolitan banks consist of banking locations in the metropolitan Oklahoma City and Tulsa areas. Community banks consist of banking locations in communities throughout Oklahoma. Pegasus consists of banking locations in the Dallas metropolitan area. Worthington consists of banking locations in the Fort Worth metropolitan area. Other financial services are specialty product business units, including guaranteed small business lending, residential mortgage lending, trust services, securities brokerage, electronic banking and insurance.

Industry: National Commercial Banks Peers: Ameris Bancorp ASSOCIATED BANC-CORP BANK OF HAWAII CORP FIRST HAWAIIAN, INC. CATHAY GENERAL BANCORP COMMUNITY FINANCIAL SYSTEM, INC. PACIFIC PREMIER BANCORP INC PNC FINANCIAL SERVICES GROUP, INC. TEXAS CAPITAL BANCSHARES INC/TX UNITED COMMUNITY BANKS INC